Protecting the Right to Housing during the COVID-19 Crisis - BRIEFING PAPER

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BRIEFING PAPER

Protecting the Right
to Housing during the
COVID-19 Crisis
Protecting the Right to Housing during the COVID-19 Crisis                                                            Briefing Paper

                                  PREFACE
                                  The Open Society Justice Initiative promotes human rights and builds legal
                                  capacity for open societies using a variety of tools, including strategic litigation,
                                  legal empowerment, advocacy, and research. For the past five years, the Justice
                                  Initiative’s Economic Justice Project1 has focused on promoting the application
                                  of European human rights and consumer law to prevent evictions resulting from
                                  mortgage default.
                                  With the spread of COVID-19 and its economic consequences, even more
                                  families and individuals face the risk of losing their homes through eviction. In
                                  examining the actions States have taken to help people stay in their homes during
                                  the COVID-19 crisis, it became apparent that States were taking a piecemeal
                                  approach, with some protecting people in rented housing but not those in
                                  mortgaged housing, while other States were protecting mortgaged housing but
                                  not rental housing. In addition, some States passed laws to prevent evictions while
                                  others simply relied upon voluntary agreements that were not legally enforceable.
                                  Further, the majority of these measures have expired or are scheduled to expire by
                                  the end of the year.
                                  This briefing paper highlights the patchwork approach that States across the world
                                  have taken in order to protect the right to housing during the COVID-19 crisis,
                                  and examines the need for more comprehensive emergency legislation to prevent
                                  evictions during a global pandemic.
                                  To provide activists and legislators with a blueprint for establishing basic legal
                                  provisions to ensure respect for the right to housing during the COVID-19
                                  pandemic and the economic crisis that has ensued, the Justice Initiative,
                                  in collaboration with leading housing rights experts, has developed model
                                  emergency housing legislation. States are strongly urged to consider implementing
                                  legislation to protect the right to housing during the current crises.
                                  This briefing paper was researched and written by Georgiana Epure, Aryeh Neier
                                  Fellow for the Open Society Justice Initiative, under the supervision of Senior
                                  Legal Officer Marguerite Angelari. The paper benefitted from the review and input
                                  from the following Justice Initiative colleagues: Robert Varenik, Erika Dailey, Zsolt
                                  Bobis, and David Berry. The Justice Initiative is grateful for the valuable expert
                                  feedback received from Leilani Farha, Julieta Perucca, Sam Freeman, Padraic
                                  Kenna, and Cecilia Forrestal.

                                  For more information about the Justice Initiative’s economic justice work, please contact
                                  Marguerite Angelari at marguerite.angelari@opensocietyfoundations.org.

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Protecting the Right to Housing during the COVID-19 Crisis                                                 Briefing Paper

                                  INTRODUCTION
                                  The global COVID-19 crisis has proven beyond doubt that secure, safe, and
                                  adequate housing is essential for people’s health and safety. To control the spread
                                  of COVID-19, people across the globe have been urged or required to stay at
                                  home. This seemingly simple policy has revealed just how dependent the rights to
                                  life, human security, health, and dignity are on access to adequate housing.
                                  At the same time, the COVID-19 pandemic and the resulting economic crisis have
                                  put a large number of people in a precarious situation in which they are struggling
                                  to meet their housing costs and are vulnerable to homelessness. COVID-19 has
                                  fully exposed, and has the potential to deepen, the global housing crisis. For
                                  years, this crisis has been characterized by a severe lack of affordable housing,
                                  weak tenant protections, limited social or public housing, and inadequate housing
                                  for migrants and asylum seekers. Abusive mortgage lending practices and the
                                  failure to regulate the financialization of housing have consolidated a system that
                                  reproduces housing precariousness and homelessness.
                                  Soon after the World Health Organization declared COVID-19 a global pandemic
                                  in March 2020 and some countries went into lockdown, the then United Nations
                                  Special Rapporteur on the right to adequate housing, Leilani Farha, issued a series
                                  of COVID-19 Guidance Notes to protect the right to housing.2 This briefing paper
                                  highlights the most important recommendations in those Guidance Notes and
                                  provides a snapshot of the most common measures that States adopted at the
                                  beginning of the crisis to keep people in their homes. These common measures
                                  include: eviction bans, mortgage payment deferrals, protection of tenants in rental
                                  housing, and addressing the housing needs of people living in homelessness and
                                  informal settlements, as well as those of migrants and asylum seekers.3
                                  The response to the COVID-19 crisis could have been a watershed moment for
                                  housing justice. Yet, as the current UN Special Rapporteur on the right to adequate
                                  housing, Balakrishnan Rajagopal, highlights in his latest report, in spite of the
                                  pandemic, “housing is not yet seen as a life-or-death issue.”4 Measures that were
                                  considered impossible before the pandemic—such as providing shelter for nearly
                                  all people sleeping rough in large cities, freezing rent prices, and ensuring access
                                  to water and sanitation facilities in informal settlements—became a reality in
                                  some jurisdictions for at least a short period of time. Some States have shown that
                                  with an adequate mobilization of resources and political will, they can at least
                                  temporarily house people who are homeless, provide water and sanitation services
                                  to those without, and prevent people from being evicted or losing their homes.
                                  Nonetheless, a piecemeal approach was taken domestically and recurring issues
                                  that threaten secure housing have emerged in most States globally. In the face
                                  of the pandemic, governments suddenly saw the holes in their housing systems
                                  and tried to close up some of the most urgent and immediate gaps. Some States

Open Society Foundations                                                                                                3
Protecting the Right to Housing during the COVID-19 Crisis                                               Briefing Paper

                                  put homeless people in hotels. Some provided water and sanitation to informal
                                  settlements. Some States protected people at risk of eviction in rented housing and
                                  not mortgaged housing. Some States passed laws to allow for mortgage payment
                                  postponement, whereas others did not or simply relied upon voluntary agreements
                                  that were not legally enforceable. Some did nothing at all. But regardless of the
                                  approach taken, the majority of these measures have expired or were scheduled
                                  to terminate by the end of 2020 despite the near-certainty of COVID-19’s
                                  continued spread.
                                  In providing an overview of the most common measures that States undertook
                                  to protect people from losing their homes during the COVID-19 crisis, this paper
                                  emphasizes the need for comprehensive emergency housing legislation. A model
                                  of such emergency legislation has been developed by the Justice Initiative in
                                  collaboration with leading housing experts from different regions of the world. We
                                  hope that this briefing paper will give context to that model statute.
                                  This paper has a threefold structure. Section I provides a general summary of the
                                  most important recommendations of the UN Special Rapporteur on the right to
                                  adequate housing. Section II looks at how some States respected the spirit of the
                                  UN Special Rapporteur’s recommendations, and the Conclusion highlights some
                                  key questions for consideration when developing and researching emergency
                                  housing measures. Recommendations on how States can best protect the right
                                  the housing are offered throughout this paper by citing the COVID-19 Guidance
                                  Notes issued by former UN Special Rapporteur on the right to adequate housing
                                  in the. Comprehensive recommendations regarding the protection of the right to
                                  housing during the COVID-19 crisis can also be found in the model emergency
                                  legislation that the Justice Initiative developed in collaboration with leading
                                  experts in the field.

Open Society Foundations                                                                                              4
Protecting the Right to Housing during the COVID-19 Crisis                                                Briefing Paper

                                  METHODOLOGY
                                  This paper focuses on the most common emergency measures that States5 adopted
                                  between March and June 2020 to protect the right to housing in the context of the
                                  COVID-19 crisis. It looks at measures aimed specifically at protecting individuals
                                  without homes, with inadequate homes, or at risk of losing their homes, whether
                                  rented or mortgaged, rather than examining indirect forms of protection for
                                  individuals, such as general income support schemes.
                                  The State measures cited in this paper are based on open source information from
                                  both primary sources, such as legislation, and secondary sources, such as media,
                                  NGO and corporate reports. The selection of the States cited in this paper is mainly
                                  based on information available from civil society and government reports6 made
                                  available to the UN Special Rapporteur on the right to adequate housing to inform
                                  his July 2020 report “COVID-19 and the right to adequate housing: impacts
                                  and the way forward.”7 Notably, the legislative measures cited in this paper are
                                  for illustrative purposes only; they are not exhaustive, nor definitive, and may
                                  not reflect the most up to date version of the adopted laws. Therefore, the tables
                                  included in this paper should not be read as scorecards.
                                  While examining the implementation of the adopted measures is important, doing
                                  so would go beyond the scope of this briefing paper, which focuses on mapping the
                                  most common emergency measures that States adopted in the first four months of
                                  the COVID-19 pandemic, without assessing the effectiveness of the measures, nor
                                  attesting to their full implementation.

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Protecting the Right to Housing during the COVID-19 Crisis                                                 Briefing Paper

                                  KEY OBSERVATIONS
                                  To protect the right to housing during the pandemic, States adopted a piecemeal
                                  approach. Recurring issues that threaten secure housing have emerged in States
                                  across continents. In order to adequately protect the right to housing for everyone,
                                  States need to adopt comprehensive emergency housing legislation.
                                  The most common types of measures that States have adopted during the
                                  COVID-19 crisis in order to protect the right to housing are:

                                   Bans on evictions

                                   Protection of tenants in rental housing

                                   Mortgage payment deferrals

                                   Protection of residents in informal settlements

                                   Protection of people living in homelessness

                                   Protection of migrants

                                   Protection of asylum seekers

                                  Most measures have targeted tenants and homeowners, especially through
                                  eviction bans and mortgage payment deferrals. Despite the reality that residents in
                                  informal settlements, homeless people, migrants, and asylum seekers are facing a
                                  higher vulnerability, their housing needs have been largely overlooked.
                                  The form (mandatory or voluntary), duration, and degree of protection (depending
                                  on eligibility criteria) offered by these measures vary greatly across States, and in
                                  some cases within States. In general, the measures do not fully respect the spirit of
                                  the COVID-19 Guidance Notes for the protection of the right to housing.
                                  Most measures have been adopted for the duration of the “state of emergency,”
                                  as defined by States’ laws. Many have already expired or are about to expire by the
                                  end of 2020.
                                  In numerous States, eviction moratoria apply only to tenants in public or/and
                                  private rental housing, but not mortgaged housing.
                                  While some States took unprecedented measures to provide accommodation for
                                  people living in homelessness, there is a lack of systematic measures to transition
                                  them into permanent housing.

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Protecting the Right to Housing during the COVID-19 Crisis                                                           Briefing Paper

                                  SECTION I : GUIDANCE FROM THE UN SPECIAL
                                  RAPPORTEUR ON THE RIGHT TO ADEQUATE HOUSING
                                  Early in the pandemic, as housing became the frontline defense against COVID-
                                  19,8 the 2014-2020 UN Special Rapporteur on the right to adequate housing,
                                  Leilani Farha, issued five COVID-19 Guidance Notes for States to protect the
                                  right to housing, highlighting that, “The right to adequate housing is not subject to
                                  derogation in times of emergency. Limitations to this right are only permissible as
                                  determined by law … and solely for the purpose of promoting the general welfare
                                  in a democratic society.”9
                                  Those five COVID-19 Guidance Notes focus on:

                                  •   Prohibition of evictions, for anyone, anywhere and for any reason, highlighting
                                      that forced evictions and evictions that result in homelessness are a violation of
                                      international human rights law;10
                                  •   Protecting renters and mortgage payers, based on three principles: an equitable
                                      share of the burden of the response to the pandemic across society; preventing renters’
                                      and homeowners’ excessive burden with housing related debt; and a proportionate
                                      burden on banks, private landlords, and financial actors according to their resources;11
                                  •   Protecting residents of informal settlements and encampments, highlighting
                                      their particular vulnerability in contracting the virus due to lack of access to water or
                                      sanitation, over-crowding, and the constant threat of eviction;12
                                  •   Protecting those living in homelessness, emphasizing that homelessness is a
                                      prima facie violation of human rights and that, in the context of the COVID-19 crisis, a
                                      lack of access to adequate housing is not only a potential death sentence for homeless
                                      people, but also puts the broader population at risk;13
                                  •   Protecting housing from financialization and building back a better future,
                                      noting that as a result of COVID-19 the amount of distressed real estate is likely to
                                      increase. This provides investors with a growing pool of “assets” that can be purchased
                                      at low cost, thus profiting from the pandemic’s impact at the expense of people’s access
                                      to affordable housing.14

                                  Each Guidance Note comprises a set of specific measures for States to adopt,
                                  with an emphasis on ensuring access to justice and effective remedies, as well as
                                  on the effective monitoring of the implementation of the measures. The following
                                  section reviews the most common measures that States undertook in the first four
                                  months of the pandemic and assesses their compatibility with the COVID-19
                                  Guidance Notes.

Open Society Foundations                                                                                                          7
Protecting the Right to Housing during the COVID-19 Crisis                                                          Briefing Paper

                                  SECTION II
                                  The structure of this section is based on seven categories of housing vulnerability:
                                  people at risk of eviction and forced eviction, tenants in rental housing,
                                  mortgagee homeowners, residents in informal settlements, people living in
                                  homelessness, migrants, and asylum seekers. Each sub-section highlights some
                                  key recommendations from the COVID-19 Guidance Notes to protect the right
                                  to housing, and contrasts them against the most common State practices. For the
                                  complete list of recommendations, see the text of the COVID-19 Guidance Notes
                                  referenced at the end of this paper.

                                  EVICTION BANS
                                       Evictions are not only inconsistent with the “stay home” policy, but forced evictions are
                                       a violation of international human rights law, including the right to housing, as are any
                                       evictions that result in homelessness.15
                                       Leilani Farha, UN Special Rapporteur on the right to adequate housing, 2014-2020

                                  In response to the escalating economic insecurity that families and individuals
                                  have been facing due to the COVID-19 crisis, which makes it difficult for them
                                  to meet housing costs, numerous States have adopted emergency bans on
                                  evictions—also known as eviction moratoria—in order to protect individuals
                                  from losing their homes. Across the globe, eviction moratoria vary greatly in
                                  form, length, and degree of protection, often contradicting the spirit of the
                                  COVID-19 Guidance Note on the prohibition of evictions, which calls for a
                                  temporary ban on all types of evictions, be they with or without the provision
                                  of, and access to, legal forms of protection.16

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  Declare an end to all evictions of anyone, anywhere for any reason, including
                                  for non-payment of rent, rental arrears, mortgage payment default, and utility
                                  payment arrears.17

                                  •   Numerous States banned evictions during the first four months of the pandemic.
                                      Figure 1 illustrates the action that some States have taken, at some point between
                                      March and June 2020, in order to protect people from being evicted from private
                                      rental housing.

Open Society Foundations                                                                                                        8
Protecting the Right to Housing during the COVID-19 Crisis                                                      Briefing Paper

Figure 1. Bans on                                            NATIONAL LEGISLATION   SUB-NATIONAL LEGISLATION   NO BAN

eviction from private                         Albania
rental housing                              Argentina
adopted between                              Australia
March – June 202018                            Austria

The list of countries cited                   Belgium
in this table is for illustrative                Brazil
purposes only. This list                      Canada
is not exhaustive, nor
                                            Colombia
definitive.
                                               Croatia
                                               Cyprus
                                               France
                                             Germany
                                             Hungary
                                                 India
                                            Indonesia
                                               Ireland
                                                  Italy
                                          Kazakhstan
                                          Kyrgyzstan
                                             Malaysia
                                               Mexico
                                                Nepal
                                         Netherlands
                                        New Zealand
                                                  Peru
                                          Philippines
                                               Poland
                                             Portugal
                                             Romania
                                                 Spain
                                         South Africa
                                            Tajikistan
                                                  UAE
                                                    UK
                                                    US
                                              Vietnam

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Protecting the Right to Housing during the COVID-19 Crisis                                                         Briefing Paper

                                  The means through which eviction moratoria have been enacted include specific
                                  bans on evictions, increasing the length of the notice period that landlords in the
                                  private and social rented sector are required to give tenants when they wish to
                                  regain possession of their property,19 and/or suspending housing possession cases
                                  for certain periods of time.

                                  •   In many cases, eviction bans apply only to individuals who meet a specific set of
                                      criteria, such as demonstrating certain degrees of COVID-19-related financial
                                      distress20 or not having accrued overdue rental payments before the commencement
                                      of the pandemic.21
                                  •   Many eviction bans apply specifically to tenants in public housing or/and in private
                                      rental housing. Fewer bans apply to those in mortgaged housing or informal
                                      settlements and encampments. For commentary on temporary eviction bans on
                                      homeless encampments and informal settlements, see below.

                                  Prohibit evictions until the end of the pandemic and for a reasonable period
                                  of time thereafter.22

                                  •   The initial length of eviction bans has ranged from the duration of the “state of
                                      emergency”23 (as defined in the relevant national legislation) or the duration of the
                                      pandemic,24 to periods extending past the emergency declaration up to as long as six
                                      months.25 In some cases, the initial length of the eviction bans has been extended.26

                                  Ensure that all evictions or foreclosures that were approved before the pandemic
                                  commenced are suspended.27

                                  •   In numerous cases, the eviction bans’ degree of protection depends on the specific
                                      stages of the foreclosure and eviction processes that were stayed.28 Depending on
                                      States’ legislation, some bans prohibit the initiation of evictions (such as the service
                                      of notice or the filing of an eviction), suspend court proceedings (evidentiary hearings
                                      or possession judgments), halt the enforcement of eviction orders, or ban foreclosure
                                      proceedings.

                                  Ensure the necessary resources are available to implement this order effectively,
                                  including resources to monitor and prevent extrajudicial evictions. 29

                                  •   To prevent extrajudicial evictions, eviction moratoria must be legally enforceable.
                                      While many States adopted emergency legislation to ban evictions, some simply made
                                      declarations that aim to discourage evictions without legislative measures to back such
                                      declarations.30 In the absence of legally binding eviction moratoria and as a result of
                                      partial shutdown of the justice system,31 abusive evictions have taken place during the
                                      pandemic, especially affecting people living in informal settlements.32

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Protecting the Right to Housing during the COVID-19 Crisis                                                             Briefing Paper

                                  PROTECTION OF TENANTS IN RENTAL HOUSING
                                       States must undertake […] specific measures immediately to ensure that all renters and
                                       homeowners can successfully “stay home”, help flatten the pandemic curve and emerge
                                       from the crisis whole.33
                                       Leilani Farha, UN Special Rapporteur on the right to adequate housing, 2014-2020

                                  Some of the most common measures to protect the right to housing taken during
                                  the COVID-19 crisis seek to enhance security of tenure. These measures include:
                                  freezing rent increases, postponing rent payments, extending the length of a lease,
                                  or providing financial assistance to vulnerable tenants.
                                  The main measures taken to protect the housing rights of tenants in private rental
                                  housing are: flexibility of the duration of the lease (by automatically extending
                                  the duration of the contracts due to end during the lockdown, allowing premature
                                  termination, or easing the regulations regarding contract length negotiations),
                                  postponing rent payments, rent assistance (by reducing rent, subsiding rental
                                  payments, or providing interest-free loans), and banning increases of residential
                                  rental prices. Figure 2 provides a snapshot of the extent to which States adopted
                                  these measures.

                                                     RENT PAYMENT    LEASE DURATION      RENT             RENT             NO
Figure 2. Types of                                     DEFERRAL        FLEXIBILITY    ASSISTANCE     INCREASE FREEZE     ACTION
measures protecting the                 Albania
housing rights of tenants             Argentina
in private rental housing
                                         Austria
adopted between March
                                        Belgium                       sub-national    sub-national
– June 202034
                                        Canada                                        sub-national    sub-national
The list of countries and                  Chile
legislative measures cited in
                                      Colombia
this table are for illustrative
purposes only; they are not              Czech
exhaustive.                            Republic
                                       Ecuador
Absence of information does
not necessarily indicate            El Salvador
absence of measures.                   Germany
                                         Greece
                                         Ireland
                                           India      sub-national
                                   Kazakhstan

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Protecting the Right to Housing during the COVID-19 Crisis                                                            Briefing Paper

                                                       RENT PAYMENT   LEASE DURATION      RENT           RENT             NO
                                                         DEFERRAL       FLEXIBILITY    ASSISTANCE   INCREASE FREEZE     ACTION
                                       Kyrgyzstan
                                      Luxembourg
                                           Mexico
                                      Netherlands
                                  New Zealand
                                       Philippines
                                           Poland
                                         Portugal
                                            Spain
                                      Trinidad and
                                            Tobago
                                        Venezuela
                                          Vietnam

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  Implement an immediate rent freeze, prohibiting any increases in rental costs
                                  including any adjustments for inflation, during the pandemic and for a reasonable
                                  period thereafter.35

                                  •     In States that have implemented rent increase freezes, their initial duration has varied
                                        from three36 to six months.37 In some cases, rent increases that were notified before the
                                        introduction of the emergency legislation but which had not yet come into effect were
                                        still allowed.38

                                  Prohibit the cancelling of rental contracts during the pandemic and for a reasonable
                                  period thereafter, except in the context of criminal behaviour, particularly where the
                                  behaviour will harm other tenants.39

                                  •     Some States have adopted legislation that automatically extends rental contracts until
                                        the end of the emergency period.40 Other countries have allowed for the premature
                                        termination of rental contracts41 or, more commonly, prohibited the termination of
                                        rental contracts for a specific period of time, up to six months42 or one year.43

                                  States must ensure housing affordability for tenants whose incomes decline as a result of
                                  COVID-19 […] and ensure that tenants affected by the crisis do not have to pay more
                                  than 30 percent of their monthly net income on housing costs.44

                                  •     To ensure housing affordability for vulnerable tenants, a broad range of measures
                                        has been taken. For example, rent payments have been deferred for various periods

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Protecting the Right to Housing during the COVID-19 Crisis                                                          Briefing Paper

                                      of time: from 30 days in the Philippines (without incurring interest and penalties),45
                                      to three months in El Salvador,46 to six months in Venezuela,47 and over two years in
                                      Germany (with interest on arrears permitted).48 In Zambia, authorities appealed to
                                      landlords to waive rental payments during the COVID-19 crisis but, reportedly, this
                                      was not backed by legislation.49 In numerous countries, penalties for rent arrears were
                                      not allowed; however, compensatory interest was permitted. In Austria, for example,
                                      there is a default interest of four percent, which has to be paid in addition to the
                                      overdue rent.50
                                  •   Some States have opted for measures that provided financial assistance for vulnerable
                                      tenants. For instance, in Greece affected employees were granted a 40 percent rent
                                      reduction for the month of April,51 while in Spain large-scale landlords were required
                                      to ease rental costs for vulnerable residents and affected employees could apply for
                                      zero-interest credits to cover up to six months of rent.52 In Portugal, interest-free loans
                                      were made available to support the difference between the amount of monthly income
                                      due and the amount resulting from the application of a maximum rate of 35 percent
                                      to household income, without resulting in a household income lower than the social
                                      support index.53 In Trinidad and Tobago,54 and at the sub-national level in Belgium55
                                      and Canada,56 temporary rent supplements were introduced, paid either to vulnerable
                                      tenants or directly to landlords. Notwithstanding such measures, the recommended
                                      cap on monthly housing costs, 30 percent of tenants’ monthly net income, was
                                      virtually ignored.
                                  •   Regarding public housing rent, measures ranged from temporarily waiving rental
                                      payments,57 to social housing providers and tenant associations devising payment
                                      plans for struggling tenants.58

                                  MORTGAGE PAYMENT DEFERRALS

                                       States must adopt policies with respect to mortgage payments for populations who suffer
                                       financial setbacks during the pandemic.59
                                       Leilani Farha, UN Special Rapporteur on the right to adequate housing, 2014-2020

                                  Mortgage payment deferrals—also known as “mortgage holidays” or “mortgage
                                  moratoria”—have been used across many jurisdiction as an emergency measure
                                  to protect mortgage payers from losing their homes. Such deferrals allow for
                                  a temporary delay in the payment of debt in cases where people experienced
                                  financial difficulties that precluded them from fulfilling their mortgage obligations.

Open Society Foundations                                                                                                       13
Protecting the Right to Housing during the COVID-19 Crisis                                                           Briefing Paper

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  States must […] adopt policies with respect to mortgage payments for populations who
                                  suffer financial setbacks during the pandemic. At a minimum it is imperative that States
                                  ensure Banks and other lenders re-negotiate mortgage payments with those affected by
                                  COVID-19, so that no more than 30 per cent of household income is devoted to debt
                                  servicing during the pandemic and for a reasonable time thereafter. 60

                                  •   While in many States mortgage payers did not have the option to apply for a temporary
                                      suspension of mortgage payments, across the States that adopted such policies there
                                      have been two main categories of mortgage moratoria for vulnerable borrowers:
                                         •     Voluntary moratoria − adopted by some banks or bank consortiums, often based
                                               on negotiations with governments or as a result of recommendations made by
                                               central banks or national regulatory authorities; or
                                         •     Imposed moratoria − which impose mandatory obligations at the State level,
                                               as a result of States’ legislation or national regulatory authorities mandatory
                                               decisions, to allow borrowers to defer their payments.

                                  Figure 3 illustrates the types of mortgage moratoria adopted in some States. For
                                  the purpose of this paper, “no systemic action” means that although no measures
                                  were adopted to offer widespread protection for mortgage payers, some banks
                                  nevertheless might have decided, on their own initiative, to offer mortgage
                                  payment deferrals.

                                                                       NATIONAL            SUB-NATIONAL              NO
Figure 3. Mortgage                                                    LEGISLATION           LEGISLATION              BAN
moratoria adopted                                    Albania
between March–June                                Argentina
202061
                                                     Austria
The list of countries cited in                  Bosnia and
this table is for illustrative                 Herzegovina
purposes only.                                       Croatia
This list is                                       Colombia
not exhaustive.
                                                     Cyprus
                                             Czech Republic
                                                    Ecuador
                                                 El Salvador
                                                     Finland
                                                    Georgia
                                                    Hungary

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Protecting the Right to Housing during the COVID-19 Crisis                                                    Briefing Paper

                                                    Ireland
                                                       Italy
                                              Kazakhstan
                                                     Kenya
                                                     Latvia
                                                 Lithuania
                                                    Mexico
                                                  Moldova
                                                  Namibia
                                        North Macedonia
                                               Philippines
                                                  Portugal
                                                  Romania
                                                     Spain
                                                   Ukraine
                                                        UK
                                                  Vietnam

                                  The initial length of mortgage payment deferrals has ranged from one,62
                                  three,63 six,64 or nine months65 to up to one66 or even two years.67 In some
                                  cases the provisions related to the duration of mortgage moratoria have been
                                  revisited and extended.
                                  •   Where mortgage payment deferral schemes have been introduced, there has been
                                      great variety regarding the degree of protection offered. Some mortgage moratoria
                                      allow for the postponement of payments to be provided only for those who prove that
                                      more than a third of their income has been lost.68 In numerous cases, the suspension
                                      of mortgage payments applies strictly to borrowers who maintained their accounts in
                                      good standing before the onset of the pandemic.69 There have been instances in which
                                      banks have refused to provide assistance with mortgage payments due to other income
                                      support measures that were put in place by the government.70

                                  No tenant or homeowner should accrue unsustainable debt as a result of any of the
                                  proposed measures[…].71

                                  •   While some mortgage relief policies have suspended the payment of principal and
                                      interest,72 numerous mortgage payment moratoria have suspended only the payment
                                      of the principal while allowing interest accrual.

Open Society Foundations                                                                                                 15
Protecting the Right to Housing during the COVID-19 Crisis                                                          Briefing Paper

                                  PROTECTION OF RESIDENTS IN INFORMAL SETTLEMENTS
                                       In order to prevent the spread of COVID-19, States across the world are asking and,
                                       in some cases, legislating that people “stay home”. This is based on the assumption that
                                       one’s home provides protection against contracting and spreading the virus. This is not
                                       always the case. 73
                                       Leilani Farha, UN Special Rapporteur on the right to adequate housing, 2014–2020

                                  Many residents of informal settlements and encampments live in highly precarious
                                  conditions, where not only is it impossible to practice physical distancing, due
                                  to high population density, but there is also little or no access to water, other
                                  utilities, and sanitary facilities.74 In response to the pandemic, several States have
                                  specifically adopted measures regarding the protection of residents of informal
                                  settlements and/or provided additional funds to strengthen social services and
                                  develop emergency measures for such residents.75 Across the globe, nevertheless,
                                  a great part of the support for residents of informal settlements has been provided
                                  by civil society organizations.76

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  Declare an end to all forced evictions of informal settlements and encampments. Ensure
                                  the necessary resources are available to implement this order effectively, including
                                  resources to monitor and prevent extrajudicial evictions.77

                                  •   In some States, eviction moratoria have specifically banned forced evictions from
                                      and/or demolitions of informal settlements and encampments. The Philippines,
                                      for example, adopted legislation to postpone all demolition and eviction activities
                                      during the community quarantine.78 In some instances, such as in South Africa, even
                                      where such bans on forced evictions were in place, they were, nevertheless, carried out
                                      in the context of informal settlements.79 In India, Kenya, Ethiopia, and Nigeria, which
                                      did not adopt national moratoria on evictions, people living in informal settlements
                                      have been subject to mass forced evictions and home demolitions during the worst
                                      period of the crisis.80

                                  Ensure all residents of informal settlements/encampments have access to an adequate,
                                  affordable, and proximate supply of water, toilets, showers, sanitation services, soap,
                                  hand sanitizer, disinfectants, and masks.81

                                  •   Ensuring access to water and sanitation facilities has been one of the most
                                      common measures that States adopted to protect the rights of people living in
                                      informal settlements and encampments. For example, in Ireland the government
                                      directed authorities to put in place extra sanitary facilities and additional mobile
                                      accommodation, as well as ensure uninterrupted flow of running water, where there
                                      is overcrowding, such as in Travelers’ communities.82 Similarly, in Zambia,83

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Protecting the Right to Housing during the COVID-19 Crisis                                                           Briefing Paper

                                      Argentina,84 Mexico,85 and Chile,86 governments adopted measures to ensure that
                                      there is uninterrupted access to water and/or provided extra food, hygiene, and
                                      health services.

                                  PROTECTION OF PEOPLE LIVING IN HOMELESSNESS
                                       COVID-19 has exposed the myth of individualism, revealing the ways in which our
                                       collective wellbeing depends not only on our own ability to “stay home”, but the ability of
                                       others to do the same.87
                                       Leilani Farha, UN Special Rapporteur on the right to adequate housing, 2014–2020

                                  The pandemic turned homelessness into a public health priority for which
                                  exceptional measures were put in place in order to temporarily house, isolate, and
                                  keep people safe. The crisis has further exposed the housing vulnerabilities that
                                  people living in abusive homes face, particularly women, children, and youth who
                                  risk becoming homeless if they leave their abusers.
                                  At the height of the crisis, in some European States, governments’ measures have
                                  led to an overwhelming drop in the number of people living on the streets.88 For
                                  example, according to UK government figures, by mid-April more than 90 percent
                                  of rough sleepers in England were offered emergency accommodation.89 The
                                  pandemic could have been a watershed moment for adequately addressing the
                                  systematic issue of homelessness, but few States took this moment to review their
                                  flawed housing policies.

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  Immediately provide accommodation to all homeless people living ‘rough’ or on the
                                  streets with a view to transitioning them to permanent housing so that they do not return
                                  to a situation of homelessness once the pandemic is over.90

                                  •   While numerous States have taken no additional steps to protect homeless people
                                      beyond measures already in place before the pandemic,91 some provided immediate
                                      temporary accommodation to people sleeping rough. This response has taken
                                      numerous forms, including requisitioning hotels to host homeless people, as was
                                      done in London92 and in some municipalities in Belgium, 93 Czech Republic,94 and
                                      France.95 Other municipalities rented empty social homes and provided them to
                                      homeless people, as in Belgium’s Flemish region,96 or sheltered people in improvised
                                      emergency shelters—such as in Spain97, the Philippines,98 and Indonesia99—or
                                      extended the opening times of winter emergency shelters, as in Denmark.100 But only
                                      in a very few cases have measures been taken to transition homeless persons into
                                      permanent housing.101

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Protecting the Right to Housing during the COVID-19 Crisis                                                         Briefing Paper

                                  Ensure that women, children and youth who may need to leave a household due to
                                  violence do not fall into homelessness and are provided with adequate alternative
                                  accommodations that ensure safety and provide access to water/sanitation, food, social
                                  supports, health services and testing for COVID-19.102

                                  •   Since the beginning of the pandemic, there has been a surge in reported cases of
                                      domestic violence, particularly against women, girls, and LGBT+ people. This was
                                      coupled with an increase in demand for emergency shelter for those fleeing abuse.103
                                      To meet this demand, some States, such as Italy,104 Canada, Australia, France, and the
                                      UK,105 allocated additional financial support for shelters and organizations providing
                                      services to those fleeing abuse.106 In Italy, the application procedures for access to
                                      shelters, housing, and anti-violence centers were simplified and prefectures were
                                      instructed to identify new housing solutions for women victims of violence.107 In
                                      Canada, in Quebec and Ontario, domestic violence shelters were deemed essential
                                      services and had to remain open during the lockdown.108 To expand the capacity of
                                      shelters, some States re-purposed other spaces, such as empty hotels, to accommodate
                                      quarantine needs.109
                                  •   In many States, refuges for survivors of domestic violence often depend on government
                                      housing benefit payments for financial support. This means that many shelters cannot
                                      accept survivors who are subject to immigration control and have no entitlement to
                                      welfare benefits (known in the UK as “no recourse to public funds”). Because of their
                                      immigration status, migrant women have faced particular barriers to getting critical
                                      services, and may resist going to the authorities due to risk of detention, deportation,
                                      or separation from their children. By June 2020, Wales and Scotland instructed local
                                      authorities to ensure safe shelter for all of those fleeing domestic abuse during the
                                      pandemic, regardless of their immigration status. However, England and Northern
                                      Ireland have not issued such explicit instructions.110

                                  PROTECTION OF MIGRANTS
                                       No migrant worker or domestic worker should be left in a situation of homelessness.111
                                       Leilani Farha, UN Special Rapporteur on the right to adequate housing, 2014–2020

                                  Although numerous States adopted laws and policies to ensure respect for the
                                  right to housing during the COVID-19 pandemic, few adopted formal policies
                                  that address migrants’ housing vulnerabilities, particularly those faced by
                                  undocumented migrants whose status does not allow them to seek judicial
                                  relief.112 In numerous States, migrant workers were asked to return to their country
                                  or place of origin despite the closing of borders or the suspension of national
                                  and international travel.113 As the current UN Special Rapporteur on the right to
                                  adequate housing, Balakrishnan Rajagopal, noted:

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                                       [Migrants] have been particularly exposed to the economic impact of lockdowns and the
                                       closing of workplaces. Many lack a permanent address, official work authorizations or
                                       work contracts and are thus often excluded from national social protection systems or
                                       face significant barriers to justice for violations related to work and housing rights.114

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  Where migrant workers or domestic workers are housed in their place of work or in
                                  accommodation provided by their employers, States must ensure that they can either
                                  remain housed free of charge or at a rent affordable to them […] If accommodation
                                  cannot be reasonably provided by their employers, the State is obliged to provide affected
                                  migrant and domestic workers with alternative secure accommodation. 115

                                  •   While some States required local authorities to utilize alternative powers and funding
                                      to assist people who have no entitlement to welfare benefits but who require shelter,
                                      such as migrants in the UK,116 others adopted legislation that allowed migrants who
                                      applied for residency before the state of emergency to receive temporary residency
                                      rights, as was done in Portugal.117 In India, despite the central government’s
                                      prohibition on the eviction of migrant workers for non-payment of rent, migrant
                                      workers faced the major, even deadly, challenges of hunger, illness, and destitution.118

                                  PROTECTION OF ASYLUM SEEKERS
                                  Due to the COVID-19 pandemic, States across the globe have closed their borders,
                                  adopted travel bans, and imposed restrictions on human mobility.119 This has
                                  greatly affected asylum seekers during and after the lockdown,120 as many States
                                  have suspended asylum administrative procedures.121

                                  COVID-19 Guidance Note key recommendations
                                  and State practices
                                  Declare an end to all evictions of anyone, anywhere for any reason until the end of the
                                  pandemic and for a reasonable period of time thereafter.122

                                  •   A common measure undertaken by States has been to extend the validity of asylum
                                      seekers’ documents, even if expired.123 However, this only addressed asylum seekers’
                                      vulnerabilities from an immigration perspective. In Greece, municipalities did
                                      not offer alternative temporary accommodation and the government resumed the
                                      plan to discontinue housing provisions to recognized refugees and to those whose
                                      asylum applications had been rejected.124 In parts of France, asylum seekers living in
                                      makeshift tents were subjected to forced evictions.125

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Protecting the Right to Housing during the COVID-19 Crisis                                                        Briefing Paper

                                  •   Conversely, in some cases governments have adopted temporary moratoria on
                                      removals and provided housing assistance. In France, for instance, reception centers
                                      were instructed not to remove asylum seekers currently accommodated, including
                                      those with rejected applications.126 Similarly, in the UK, evictions from asylum
                                      accommodation were suspended for at least three months.127 In the medium term,
                                      however, temporary housing support that excludes financial and social services
                                      support may drive people into homelessness and destitution.
                                  •   Notably, Portugal has taken the unprecedented measure to give temporary residency
                                      rights to asylum seekers who applied for residency before the state of emergency. This,
                                      in effect, has given them access to the country’s national health service, bank accounts,
                                      and work and rental contracts for at least three months.128

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Protecting the Right to Housing during the COVID-19 Crisis                                                           Briefing Paper

                                  CONCLUSION: OPEN QUESTIONS
                                       The pandemic has changed the meaning of “home” fundamentally. Stay-at-home
                                       orders – which will continue to be issued periodically as the virus likely spikes during the
                                       coming months – compel the reimagination of what a home is: it is not only a refuge from
                                       the virus and a safe place for physical distancing; it is also a place of paid and unpaid
                                       work […] it is a childcare centre and a school […]. The combination of so many functions
                                       in a single entity – the home – should lead to a basic rethinking of the right to adequate
                                       housing and a greater recognition of its centrality.129
                                       Balakrishnan Rajagopal, the current UN Special Rapporteur
                                       on the right to adequate housing

                                  This briefing paper mapped the most common legislative measures that States
                                  adopted to prevent people from losing their homes during the first four months
                                  of the pandemic. But now, nine months since the World Health Organization
                                  declared COVID-19 a pandemic, many of the emergency response measures to
                                  this health and economic crisis have been subject to reviews or termination. While
                                  the emergency context in which the cited measures were adopted provides a real
                                  challenge for long-term planning, research, legislative, policymaking work should
                                  address the following questions regarding the protection of the right to housing
                                  during this ongoing pandemic:

                                  The duration of emergency measures
                                  •   What is the best way to determine the duration of emergency housing measures?
                                      Should there be a specific time limit or should their duration be determined according
                                      to a number of indicators related to economic recovery and State assistance for the
                                      business and financial sector? What can be learned, in this respect, from the 2007-8
                                      financial crisis?

                                  The strength of the measures
                                  •   How can States be persuaded to adopt legally binding measures that protect the right
                                      to housing for all during emergencies? Are there circumstances under which voluntary
                                      measures would be more effective?

                                  The implementation of the measures
                                  •   To what extent have the adopted measures actually been implemented on the ground
                                      and how effective is their monitoring and evaluation?
                                  •   Do States have measurable goals and timelines?
                                  •   Are States acting with requisite urgency?
                                  •   Is non-discrimination ensured?
                                  •   Is non-compliance with the adopted measures sanctioned appropriately?

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Protecting the Right to Housing during the COVID-19 Crisis                                                         Briefing Paper

                                  Maximum available resources
                                  •   Are adequate resources, in keeping with human rights obligations, being mobilized to
                                      ensure access to adequate, affordable, safe housing for all?

                                  Effective remedies
                                  •   Are there effective legal remedies in place to address the violation of the measures and
                                      ensure the realization of the right to housing?

                                  The impact of the measures
                                  •   What has been, so far, the impact of the measures and what unique aspects of the
                                      pandemic were successfully addressed through policy or legislative responses?
                                  •   Housing injustice is intimately linked with racial and gender injustice. Have these
                                      measures, or the absence thereof, had a disproportionate impact on vulnerable
                                      communities based on race, ethnicity, gender, sexual orientation, or age? Is
                                      disaggregated data on housing rights violations collected in a systemic manner so
                                      that States have a better understanding of the populations that are most vulnerable to
                                      housing insecurity?
                                  •   Are those most in need provided for?

                                  The sustainability of the measures
                                  •   How can the sustainability of the measures be preserved, especially given that they
                                      contribute to the progressive realization of the right to housing, and given that going
                                      back to the pre-pandemic state of affairs could amount to a violation of the principle of
                                      non-retrogression for economic and social rights?

                                  The mainstreaming of the right to housing in recovery plans and
                                  budgets
                                  •   How can States and international financial institutions best ensure that the right to
                                      housing is used to shape the post-COVID-19 crisis recovery plans?

                                  As the world continues to battle the COVID-19 pandemic and related economic
                                  downturn, how States answer these questions will determine not just whether
                                  the right to housing will be realized at this critical moment, but whether the virus
                                  can be defeated and a rights-based order can re-emerge in its wake. The model
                                  emergency housing legislation that the Justice Initiative developed in collaboration
                                  with leading experts on the right to housing provides a comprehensive blueprint
                                  for States to do so.

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Protecting the Right to Housing during the COVID-19 Crisis                                                        Briefing Paper

                                  Endnotes
                                  1     See https://www.justiceinitiative.org/topics/economic-justice.
                                  2    The COVID-19 Guidance Notes were issued by the former UN Special Rapporteur
                                       on the right to adequate housing, Lailani Farha, who held this mandate between 2014
                                       and 2020. The current UN Special Rapporteur on the right to adequate housing is
                                       Balakrishnan Rajagopal, who assumed this function on May 1, 2020.
                                  3    While the adopted measures have contributed, to a certain extent, to the protection
                                       and fulfillment of the right to housing, the dominant discourse around the measures
                                       has focused primarily on economic reasoning rather than human rights.
                                  4    Balakrishnan Rajagopal. “Report of the Special Rapporteur on adequate housing as
                                       a component of the right to an adequate standard of living, and on the right to non-
                                       discrimination in this context: COVID-19 and the right to adequate housing: impacts
                                       and the way forward,” A/75/148, July 27, 2020, available at: https://undocs.
                                       org/A/75/148, p. 5, para. 5.
                                  5     The term “State” refers to both legislatures and different levels of government,
                                       including at national, state, regional, and municipal levels.
                                  6     UN Special Rapporteur on the right to adequate housing, 2020, “Call for input:
                                       COVID-19 and the right to housing,” available at: https://www.ohchr.org/EN/
                                       Issues/Housing/Pages/callCovid19.aspx; OHCHR, 2020, “Joint questionnaire on
                                       COVID-19 and human rights,” available at: https://www.ohchr.org/EN/HRBodies/
                                       SP/Pages/Joint-questionnaire-COVID-19.aspx.
                                  7     Balakrishnan Rajagopal, “COVID-19 and the right to adequate housing: impacts and
                                       the way forward.”
                                  8    Leilani Farha, UN Special Rapporteur on the right to adequate housing 2014-2020,
                                       COVID-19 Guidance Note: Prohibition of evictions, updated April 28, 2020, available
                                       at: https://www.ohchr.org/Documents/Issues/Housing/SR_housing_COVID-19_
                                       guidance_evictions.pdf, p. 1.
                                  9     Ibid.
                                  10    Ibid.
                                  11   Leilani Farha, UN Special Rapporteur on the right to adequate housing 2014-2020,
                                       COVID-19 Guidance Note: Protecting renters and mortgage payers, April 8, 2020,
                                       available at: https://www.ohchr.org/Documents/Issues/Housing/SR_housing_
                                       COVID-19_guidance_rent_and_mortgage_payers.pdf.
                                  12   Leilani Farha, UN Special Rapporteur on the right to adequate housing 2014-2020,
                                       COVID-19 Guidance Note: Protecting residents of informal settlements, April 23, 2020,
                                       available at: https://www.ohchr.org/Documents/Issues/Housing/SR_housing_
                                       COVID-19_Guidance_informal_settlements.pdf.
                                  13   Leilani Farha, UN Special rapporteur on the right to adequate housing 2014-2020,
                                       COVID-19 Guidance Note: Protecting those living in homelessness, April 28, 2020,
                                       available at: https://www.ohchr.org/Documents/Issues/Housing/SR_housing_
                                       COVID-19_guidance_homeless.pdf.
                                  14    Leilani Farha, UN Special Rapporteur on the right to adequate housing 2014-2020,

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                                       COVID-19 Guidance Note: Protecting housing from financialization and building back a
                                       better future, April 28, 2020, available at: https://www.ohchr.org/Documents/Issues/
                                       Housing/SR_housing_COVID-19_guidance_finacilization.pdf.
                                  15    Leilani Farha, Prohibition of evictions.
                                  16    Forced eviction is “the permanent or temporary removal against their will of
                                       individuals, families and/or communities from the homes and/or land which they
                                       occupy, without the provision of, and access to, appropriate forms of legal or other
                                       protection” (Committee on Economic, Social and Cultural Rights, General Comment
                                       No. 7 (1997) on the right to adequate housing: forced evictions). For a more detailed
                                       legal commentary on “forced evictions,” see: UN Habitat, 2014. Forced Evictions Fact
                                       Sheet, No. 25/Rev.1, available at: https://www.ohchr.org/Documents/Publications/
                                       FS25.Rev.1.pdf.
                                  17    Leilani Farha, Prohibition of evictions, para. 1 and 4.
                                  18   Albania – Albania’s Institutions response for the Joint questionnaire by Special
                                       Procedure mandate holders on “Protecting human rights during and after the
                                       COVID-19”, available at: https://www.ohchr.org/Documents/HRBodies/SP/
                                       COVID/States/ALBANIA.docx, p. 36.
                                       Argentina – Decreto 320/2020, “Emergencia publica alquileres – suspension
                                       de desalojos – Prorroga de contractors – Congelamiento de precios”, Publicada
                                       en el Boletín Oficial del 29.03.2020, Número: 34342, Página: 5, March 29,
                                       2020, available at: http://servicios.infoleg.gob.ar/infolegInternet/verNorma.
                                       do?id=335939; Buenos Aires Times, “Fernández freezes rent prices, mortgage
                                       payments by decree”, March 30, 2020, available at: https://www.batimes.com.ar/
                                       news/argentina/fernandez-freezes-rent-prices-mortgage-payments-by-decree.
                                       phtml.
                                       Australia – Wester Australia Government. 2020. “COVID-19 coronavirus: Western
                                       Australian Government response”, available at: https://www.wa.gov.au/organisation/
                                       department-of-the-premier-and-cabinet/covid-19-coronavirus-western-australian-
                                       government-response; New South Wales Government. 2020. “Residential tenancy
                                       moratorium on evictions during COVID-19”, available at: https://www.fairtrading.
                                       nsw.gov.au/resource-library/publications/coronavirus-covid-19/property/
                                       moratorium#fortenants; Queensland Government. 2020. “The residential rental
                                       hub”, available at: https://www.covid19.qld.gov.au/the-hub.
                                       Austria – Balakrishnan Rajagopal, “COVID-19 and the right to adequate housing:
                                       impacts and the way forward”, p. 7; Amnesty International. “COVID-19 and the right
                                       to housing submission to the UN Special Rapporteur on adequate housing”, June
                                       2020, available at: https://www.ohchr.org/Documents/Issues/Housing/COVID19/
                                       CivilSociety/AmnestyInternational.docx, p. 7.
                                       Belgium – Although the bans on evictions cover the entire country, given the
                                       country’s administrative system, the relevant laws and decisions were adopted at
                                       sub-national level. See, for example: RTBF. “Coronavirus en Belgique: les expulsions
                                       des logements suspendues en Wallonie et à Bruxelles”, March 18, 2020, available
                                       at: https://www.rtbf.be/info/dossier/epidemie-de-coronavirus/detail_coronavirus-
                                       en-belgique-les-expulsions-des-logements-suspendues-en-wallonie-et-a-

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Protecting the Right to Housing during the COVID-19 Crisis                                                      Briefing Paper

                                       bruxelles?id=10461517; RTBF. “La Flandre suspend elle aussi les expulsions”,
                                       March 20, 2020, available at: https://www.rtbf.be/info/belgique/detail_la-flandre-
                                       suspend-elle-aussi-les-expulsions?id=10463317; Squire Patton Boggs. “COVID-19
                                       government measures in real estate - Europe”, April 3, 2020, available at: https://
                                       www.squirepattonboggs.com/-/media/files/insights/publications/2020/04/
                                       covid19-government-measures-in-real-estate-europe/covid19-government-
                                       measures-in-real-estate-europe.pdf, p. 29.
                                       Brazil – Habitat for Humanity. “COVID-19 and the right to housing submission to
                                       the UN Special Rapporteur on adequate housing”, June 2020, available at: https://
                                       www.ohchr.org/Documents/Issues/Housing/COVID19/CivilSociety/HabitatBrazil.
                                       docx, p. 1 (“The Brazilian government did not take measures to prohibit eviction of
                                       low-income, vulnerable communities during the COVID-19 pandemic. In addition,
                                       President Bolsonaro vetoed an excerpt of a bill passed in Congress that suspended
                                       eviction of overdue tenants”).
                                       Canada – see, for example: Government of British Columbia, Municipal Affairs
                                       and Housing, “Supporting renters, landlords during COVID-19”, April 22, 2020,
                                       available at: https://news.gov.bc.ca/releases/2020MAH0048-000561; Government
                                       of Quebec, “Arrêté numéro 2020-005 de la ministre de la Santé et des Services
                                       sociaux en date du 17 mars 2020”, March 17, 2020, available at: https://cdn-
                                       contenu.quebec.ca/cdn-contenu/adm/min/sante-services-sociaux/publications-
                                       adm/lois-reglements/AM_numero_2020-005.pdf?1584487700; Rate Hub.
                                       “Renting and COVID-19: What support is available in Canada?”, April 7, 2020,
                                       available at: https://www.ratehub.ca/blog/renting-and-covid-19/.
                                       Colombia – Diario AS. “Arriendos en Colombia: cuáles son las
                                       medidas y los cánones de arrendamiento”, April 1, 2020, available
                                       at: https://colombia-as-com.cdn.ampproject.org/v/s/colombia.
                                       as.com/colombia/2020/04/01/tikitakas/1585706732_653743.
                                       amp. html?usqp=mq331AQIKAGwASDAAQE=&amp_
                                       js_v=0.1#aoh=15858672394647&amp_
                                       ct=1585867330578&csi=1&referrer=https://www.google.com&amp_tf=%25D.
                                       Croatia – Radio Mreznica. “Vlada donosi paket mjera: Bez ovrha, deložacija, 63 mjere
                                       za gospodarstvo, pokrenuli web stranicu za informiranje”, March, 17 2020, available
                                       at: https://radio-mreznica.hr/vlada-donosi-paket-mjera-bez-ovrha-delozacija-63-
                                       mjere-za-gospodarstvo/.
                                       Cyprus – Offsite. “Ποιους ενοικιαστές αφορά το διάταγμα για αναστολή εξώσεων”,
                                       March 26, 2020, available at: https://www.offsite.com.cy/eidiseis/politiki/poioys-
                                       enoikiastes-afora-diatagma-gia-anastoli-exoseon.
                                       France – European Federation of National Organisations working with the homeless
                                       (FEANTSA), “COVID-19 and the right to housing submission to the UN Special
                                       Rapporteur on adequate housing”, June 2020, available at: https://www.ohchr.
                                       org/Documents/Issues/Housing/COVID19/CivilSociety/FEANTSA.docx, p. 3;
                                       Alex Ledsom. “France extends eviction ban to help needy”, Forbes, May 17, 2020,
                                       available at: https://www.forbes.com/sites/alexledsom/2020/05/17/france-
                                       extends-eviction-ban-to-help-needy/#3942a8c27fea.

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